The OnePay Payroll Card is issued by R. Raphael & Sons plc, pursuant to license by Visa Europe Ltd. Raphaels Bank is a company registered in England and Wales (company registration number 1288938), with its registered office at Portland House, Bressenden Place, London, SW1E 5RS. We are authorised as a credit institution under Financial Services Register number: 161302 by the UK Financial Conduct Authority. We are regulated by the UK Financial Conduct Authority and Prudential Regulatory Authority.